The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jul. 04, 2023
Filed:
Mar. 11, 2022
Wells Fargo Bank, N.a., San Francisco, CA (US);
Stephen M. Ellis, Tahoe City, CA (US);
Michael J. Kennedy, San Francisco, CA (US);
Ashish Bhoopen Kurani, Hillsborough, CA (US);
Melissa Lowry, San Francisco, CA (US);
Uma Meyyappan, Fremont, CA (US);
Bipin Sahni, Pleasanton, CA (US);
Nikolai Stroke, Gilbert, AZ (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A computer system includes one or more processors and machine readable storage media coupled to the one or more processors having instructions stored therein that cause the computer system to: receive a request for a dynamic token on behalf of a payor; route the request to a first financial institution; receive a message from a second financial institution including a merchant identifier and the dynamic token having a code comprising account information of the payor; identify the first financial institution based on the code; route the dynamic token and the merchant identifier to the first financial institution; receive the account information of the payor; and route the account information of the payor to the second financial institution to process a payment from an account of the payor to an account of the merchant.